All Certificates: *Fees could reduce earnings on these accounts. Rates may change at any time after account opening. A penalty may be imposed for early withdrawal. Eligible for Member Perks bump upon qualification and request at CD opening. In order to receive Member Perks, your iQ account must feature a savings and checking account with a debit card, as well as enrollment in eStatements and our Easy Saver program. New members must meet membership qualifications. Business certificates are not eligible for Member Perks bump. Click here for full account disclosures.
4 11-Month CD Special APY = annual percentage yield and is accurate as of May 1, 2023. Offer is subject to change and may be discontinued at any time. This promotional certificate has a 11-month term and there are no minimum or maximum deposit amounts required. New members must meet membership qualifications. Promotional certificate will mature into a 6-month certificate, at then-current rate.
All Certificates: *Fees could reduce earnings on these accounts. Rates may change at any time after account opening. A penalty may be imposed for early withdrawal. Eligible for Member Perks bump upon qualification and request at CD opening. In order to receive Member Perks, your iQ account must feature a savings and checking account with a debit card, as well as enrollment in eStatements and our Easy Saver program. New members must meet membership qualifications. Business certificates are not eligible for Member Perks bump. Click here for full account disclosures.
4 11-Month CD Special APY = annual percentage yield and is accurate as of May 1, 2023. Offer is subject to change and may be discontinued at any time. This promotional certificate has a 11-month term and there are no minimum or maximum deposit amounts required. New members must meet membership qualifications. Promotional certificate will mature into a 6-month certificate, at then-current rate.
All Checking Accounts: *APY = annual percentage yield. Fees could reduce earnings on this account. Rate may change at any time after account is open. Click here for full account disclosures.
Truth-in-Savings Disclosure: Except as specifically described, the following disclosures apply to all accounts
Intelligent Checking® Disclosure: Rates Effective as of May 1, 2023. All rates subject to change. No monthly fee. To earn the Intelligent Checking rate of 5.25% APY on balances up to and including $25,000, and 0.25% APY on balances over $25,000, you must meet the following monthly requirements: twelve (12) debit or credit card transactions; direct deposit of $100 or more per month, log in to online banking at least once per month; and receive e-Statements. If account requirements are not met, the non-qualifying rate will be 0.05% APY. New accounts will receive the qualifying dividend rate for the first statement cycle. Existing accounts converted to Intelligent Checking may qualify to receive the qualifying dividend rate beginning on the first day of the month following the month in which the account is converted. All requirements must be met with transactions posted and cleared by the close of business on the day before the last day of the month. ATM transactions do not count toward the 12 debit card transactions. Dividend paid on the last day of the month in which it is earned. Qualifiers must all be on the same account. **Only accounts that meet the Intelligent Checking criteria are eligible for the $25 ATM fee refund. Visit www.iQcu.com for details about how the ATM fee refund is calculated and other limitations. If your account has been open for at least thirty days and is in good standing, iQ Credit Union may, but is not obligated, to pay overdrafts on your account. An overdraft can occur when there are not sufficient funds in your account to pay an item presented against your account such as a check, electronic fund transfer or ACH, bill payment, or other debit on your account. A fee of up to $30 may be assessed for each overdraft. Overdrafts and subsequent fees are payable immediately; negative accounts must be brought positive within thirty days of the account going negative.
*APR= Annual Percentage Rate.
The current Wall Street Journal prime index rate is 8.25%. We add a margin to the index to determine the actual interest rate. The rate is variable and may change. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. All credit union loan programs, rates, terms, and conditions are subject to change at any time without notice.
Disclosure for Visa Signature Rewards | Disclosure for Visa Platinum rewards available here. | Disclosure for Visa Platinum available here. | Disclosure for Shared Secured Visa Platinum available here.
Visa Platinum®2: After promotional period expires, Variable Annual Percentage Rate (APR) will be 12.24% - 22.24%. Rates Effective as of May 25, 2023. There is no annual fee for this credit card. Cash advance fee is $5 of 2% of the cash advance total (whichever is greater) and the foreign transaction fee is 1% of the US dollar amount.
Visa Platinum® Cash Back3 : After promotional period expires, Variable Annual Percentage Rate (APR) will be 14.24% - 23.24%. Rates Effective as of May 25, 2023. There is no annual fee for this credit card. Cash advance fee is $5 of 2% of the cash advance total (whichever is greater) and the foreign transaction fee is 1% of the US dollar amount.
Visa Signature® Travel4: After promotional period expires, Variable Annual Percentage Rate (APR) will be 15.24% - 19.24% for business card holders. Variable Annual Percentage Rate (APR) will be 15.24% - 21.24% for consumers. Rates Effective as of May 25, 2023. $0 introductory annual fee for first year, then $49 per year. Visa Signature guide to benefits available by clicking here. | Travel & Emergency Services details are available here.
Share Secured Visa Platinum®1: After promotional period expires, Variable Annual Percentage Rate (APR) will be 12.24% for consumers. Rates Effective as of May 25, 2023. There is no annual fee for this credit card. Cash advance fee is $5 of 2% of the cash advance total (whichever is greater) and the foreign transaction fee is 1% of the US dollar amount.
*APR= Annual Percentage Rate.
HELOC - Variable *APR = Annual Percentage Rate. Rates are variable and vary with Prime Index Rate as published by the current Wall Street Journal. We add a margin to the index to determine the actual interest rate. The current Wall Street Journal prime index rate is 8.00%. The variable Rates Effective as of April 1, 2023 are 7.75 - 10.5%, depending on member credit qualifications including credit and employment history, and amount of equity in the property. Our rates do not go below 3.75% or above 15%.
HELOC – Fixed Rate is determined by credit qualifications and equity in the property at time of loan origination. The fixed conversion minimum is $5,000 and cannot be more than the total existing line of credit limit, with up to three fixed lines at one time. $50 fee to convert fixed portion back to line of credit.
*APR= Annual Percentage Rate.
HELOC - Variable *APR = Annual Percentage Rate. Rates are variable and vary with Prime Index Rate as published by the current Wall Street Journal. We add a margin to the index to determine the actual interest rate. The current Wall Street Journal prime index rate is 8.00%. The variable Rates Effective as of April 1, 2023 are 7.75 - 10.5%, depending on member credit qualifications including credit and employment history, and amount of equity in the property. Our rates do not go below 3.75% or above 15%.
HELOC – Fixed Rate is determined by credit qualifications and equity in the property at time of loan origination. The fixed conversion minimum is $5,000 and cannot be more than the total existing line of credit limit, with up to three fixed lines at one time. $50 fee to convert fixed portion back to line of credit.
The APR includes the approximate cost of prepaid finance charges, including 15 days of prepaid interest, an $899.00 processing fee, and any applicable points associated with the interest rate. Actual APRs for individual loans may differ.
Home Loans: * The Annual Percentage Rates (APRs) for the 30 Year Fixed and 15 Year Fixed are calculated based on a purchase/refinance of single-family, owner-occupied residence with a down payment or existing equity of 20%, a loan amount less than $726,200.00, and a property located in Clark Co, WA.
Adjustable-Rate Mortgage (ARM): interest rates and payments are subject to change during the loan term. That change can increase or decrease your monthly payment. These mortgage rates are based upon a variety of assumptions and conditions, some of which may include a credit score of 740 or higher. Your loan’s interest rate will depend on specific characteristics of your transaction and your credit profile up to the time of closing.
The APR includes the approximate cost of prepaid finance charges, including 15 days of prepaid interest, an $899.00 processing fee, and any applicable points associated with the interest rate. Actual APRs for individual loans may differ.
Home Loans: * The Annual Percentage Rates (APRs) for the 30 Year Fixed and 15 Year Fixed are calculated based on a purchase/refinance of single-family, owner-occupied residence with a down payment or existing equity of 20%, a loan amount less than $726,200.00, and a property located in Clark Co, WA.
Adjustable-Rate Mortgage (ARM): interest rates and payments are subject to change during the loan term. That change can increase or decrease your monthly payment. These mortgage rates are based upon a variety of assumptions and conditions, some of which may include a credit score of 740 or higher. Your loan’s interest rate will depend on specific characteristics of your transaction and your credit profile up to the time of closing.
The APR includes the approximate cost of prepaid finance charges, including 15 days of prepaid interest, an $899.00 processing fee, and any applicable points associated with the interest rate. Actual APRs for individual loans may differ.
Home Loans: * The Annual Percentage Rates (APRs) for the 30 Year Fixed and 15 Year Fixed are calculated based on a purchase/refinance of single-family, owner-occupied residence with a down payment or existing equity of 20%, a loan amount less than $726,200.00, and a property located in Clark Co, WA.
Adjustable-Rate Mortgage (ARM): interest rates and payments are subject to change during the loan term. That change can increase or decrease your monthly payment. These mortgage rates are based upon a variety of assumptions and conditions, some of which may include a credit score of 740 or higher. Your loan’s interest rate will depend on specific characteristics of your transaction and your credit profile up to the time of closing.
The APR includes the approximate cost of prepaid finance charges, including 15 days of prepaid interest, an $899.00 processing fee, and any applicable points associated with the interest rate. Actual APRs for individual loans may differ.
Home Loans: * The Annual Percentage Rates (APRs) for the 30 Year Fixed and 15 Year Fixed are calculated based on a purchase/refinance of single-family, owner-occupied residence with a down payment or existing equity of 20%, a loan amount less than $726,200.00, and a property located in Clark Co, WA.
Adjustable-Rate Mortgage (ARM): interest rates and payments are subject to change during the loan term. That change can increase or decrease your monthly payment. These mortgage rates are based upon a variety of assumptions and conditions, some of which may include a credit score of 740 or higher. Your loan’s interest rate will depend on specific characteristics of your transaction and your credit profile up to the time of closing.
The APR includes the approximate cost of prepaid finance charges, including 15 days of prepaid interest, an $899.00 processing fee, and any applicable points associated with the interest rate. Actual APRs for individual loans may differ.
Home Loans: * The Annual Percentage Rates (APRs) for the 30 Year Fixed and 15 Year Fixed are calculated based on a purchase/refinance of single-family, owner-occupied residence with a down payment or existing equity of 20%, a loan amount less than $726,200.00, and a property located in Clark Co, WA.
Adjustable-Rate Mortgage (ARM): interest rates and payments are subject to change during the loan term. That change can increase or decrease your monthly payment. These mortgage rates are based upon a variety of assumptions and conditions, some of which may include a credit score of 740 or higher. Your loan’s interest rate will depend on specific characteristics of your transaction and your credit profile up to the time of closing.
The APR includes the approximate cost of prepaid finance charges, including 15 days of prepaid interest, an $899.00 processing fee, and any applicable points associated with the interest rate. Actual APRs for individual loans may differ.
Home Loans: * The Annual Percentage Rates (APRs) for the 30 Year Fixed and 15 Year Fixed are calculated based on a purchase/refinance of single-family, owner-occupied residence with a down payment or existing equity of 20%, a loan amount less than $726,200.00, and a property located in Clark Co, WA.
Adjustable-Rate Mortgage (ARM): interest rates and payments are subject to change during the loan term. That change can increase or decrease your monthly payment. These mortgage rates are based upon a variety of assumptions and conditions, some of which may include a credit score of 740 or higher. Your loan’s interest rate will depend on specific characteristics of your transaction and your credit profile up to the time of closing.
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